First Horizon National Corporation Corporate Social Responsibility and Environmental, Social, and Governance Report 2019 Here for Good

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 1 Table of Contents Here for Good 3

A Message from Our Chairman, President, and CEO 4

Company Profile 5

Here for Our Communities 7

Here for Our Employees 23

Here for Our Customers 26

Here for Diversity and Inclusion 28

Here for the Environment 30

Governance 32

Awards and Recognition 41

Key Environmental, Social, and Governance Highlights 42

The 2019 Here For Good report covers our commitments, activities and programs regarding environmental, social responsibility, and governance matters. It is intended to provide a high-level overview with selected examples; it is not a comprehensive description, a financial report, or a comprehensive financial presentation or legal summary of those programs and involvements. The company, at its discretion, may update the information in the report.

This report contains forward-looking statements that will be identified by words such as “believe,” “expect,” “anticipate,” “intend,” “estimate,” “should,” “is likely,” “will,” “going forward,” and other expressions that indicate our current views of future events, trends, and aspirations. These may or may not be followed by or reference cautionary statements. A number of factors could cause actual results to differ materially from those in our forward-looking statements. These factors are outlined in our most recent quarterly and annual financial reports on Forms 10-Q and 10-K, available at www.sec.gov. About This Report

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 2 Here for Good 2019 by the Numbers

1 Million+ 34,000+ 4 Million+ Gallons Pounds of Paper Kilowatt Hours of Clean Water Recycled/Conserved Recycled Electricity Produced

~$11 Million $300,000+ $200,000+ Grants Awarded Volunteer Impact Employee Giving

$15 per hour 95 55% Minimum Wage Across Veterans Employed Management Roles Company Footprint Occupied by Women

30 4% $268 Million HOPE Inside Financial Bank’s Supplier Spend to Invested in Low- to Moderate- Empowerment Centers Minority-Owned Businesses Income Homeownership

As of 12/31/19

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 3 A Message from Our Chairman, President, and CEO

At First Horizon, we believe that our company has a provides financial literacy empowerment and economic responsibility to serve our communities, customers, and education. Together, we opened nine new HOPE Inside employees. locations in 2019, bringing us to our committed 30 locations across our footprint. Strengthening financial When our communities succeed, our company stability amongst our communities is imperative to our succeeds, which is why it is imperative for us to lend company’s success, and we are proud of the strides we our time, resources, and efforts to strengthen the have made. communities in which we serve. Our Community Benefits Agreement, introduced in 2018 Last year, we reaffirmed our commitment to corporate to increase access to financial resources within low- responsibility by introducing our inaugural Corporate to moderate-income communities, had great success Social Responsibility (CSR) and Environmental, Social in 2019. To date, we’ve exceeded our goal to support and Governance (ESG) Report. Our CSR/ESG committee supplier diversity, invested $707 million toward building has been hard at work to make recommendations to our small businesses, and provided over $18 million in grants leadership and deliver tangible results. to the community. In addition to guiding our program delivery last year, A tremendous thank you to our dedicated employees the committee evolved our framework for reporting and who are helping to build stronger communities and our investing in sustainable programs and helped establish board of directors for helping us operate under sound our corporate position statements on human rights, business practices. privacy and cybersecurity, diversity and inclusion, and anti-corruption, among others. I am proud of the work we have accomplished within the past year and am honored to have our program We believe that the work we are doing is leaving a lasting recognized by Forbes and JUST Capital. Our steadfast impact in our communities, and we are fulfilling our duty commitment to our communities to shareholders to deliver a strong level of social impact is making a difference, and we in the communities where we operate. will continue to build on these In 2019, First Horizon Foundation invested in 650 efforts throughout 2020. Our organizations across our footprint in these high- corporate citizenship sets us impact areas: arts & culture, education & leadership, apart, and I invite you to learn environment, financial literacy and health & human more throughout this report. services. We provided meals, financial education, housing assistance, and so much more to those in need. Our Foundation is one of the company’s strongest Sincerely, assets, and since its inception, over $100 million has been distributed.

Additionally, our employees are making a significant impact by contributing their personal time and volunteering at 675 charities across our markets. They are crucial to the work we are doing to strengthen our communities. D. Bryan Jordan We continued our work to financially empower the Chairman and CEO, communities that we serve through our partnership First Horizon National with Operation HOPE, a nonprofit organization that Corporation

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 4 Company Profile

First Horizon National Corporation offers regional banking, fixed income, and wealth management through our family of companies.

First Horizon Bank is committed to making our customers’ banking experience the best it can be, with innovative, convenient services and helpful, knowledgeable employees. From their first checking account to the loan they need to build a home or business, First Horizon Bank is committed to helping our customers at every stage of their financial life.

FHN Financial is an industry leader in fixed income sales, trading, and strategies for institutional customers in the United States and abroad. The company also provides investment services and balance sheet management solutions. FHN Financial is an important part of First Horizon’s business model, as it provides unique countercyclical benefits and complements our approach to managing our company for soundness and profitability throughout shifts in the economy.

With 30 trust officers, 89 financial advisors, 11 financial planning professionals, and $35.3 billion in assets under administration, First Horizon Advisors’ mission is to provide customers with access to a range of resources that can help them build the financial future they deserve.

Firstpower Culture At First Horizon, our Firstpower culture is a combination of our vision and philosophy of putting employees first. Established in 1991, our Firstpower Culture is what makes us unique and successful. As our company has evolved, so has our Firstpower Culture, to meet changing business needs and drivers of employee engagement. Our values – accountability, adaptability, integrity, and relationships – are the pillars that define Firstpower today.

Company Promise Be the best at serving our customers, one opportunity at a time.

Brand Promise Understanding in Action.

Governance First Horizon is dedicated to operating in accordance with sound corporate governance principles. We believe that these principles form the basis for our reputation for integrity in the marketplace and are essential to our efficiency and overall success.

We are committed to doing the right thing and have procedures and policies to help all employees comply with company principles, as well as applicable laws and regulations. Some of our corporate governance principles, policies, and practices are highlighted on the next page.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 5 Corporate Governance Highlights

Annual director elections. All our directors are elected by our shareholders every year.

Majority voting and director resignation policy. Our directors are elected by a majority of the votes cast in uncontested elections (plurality vote in contested elections), and we have adopted a director resignation policy for directors who do not receive the affirmative vote of a majority of the votes cast.

Independence. Twelve out of 13 of our nonemployee director nominees are independent under the NYSE listing standards.

Proxy access. We adopted a proxy access bylaw that allows a shareholder group of up to 20 shareholders that has held at least 3% of our common stock for at least three years to nominate up to the greater of two directors or 20% of the board and have those nominees appear in our proxy statement, subject to notice and other specific requirements in our bylaws.

Board refreshment. Our board values fresh perspectives. Over the past six years, we have added five new directors to our board. Average tenure on our board is just over nine years.

Shareholder engagement. Dialogue with our shareholders is a critical part of our company’s success. Our Investor Relations area with executive management regularly conducts ongoing dialogue with our shareholders via one-on-one conversations, conferences, road shows, on-site visits, and the like. Additionally, we communicate financial and strategic matters through public disclosures such as quarterly earnings presentations, analyst packets, and SEC filings.

Lead director. Independent director Colin V. Reed serves as the lead director. The principal duties of the lead director are specified in the Corporate Governance Guidelines.

Other directorships. None of our current directors serves on more than two public company boards other than First Horizon; 13 of our 14 current directors serve on one or no other public company boards.

Clawback. Our Compensation Recovery Policy (commonly known as a “clawback” policy) makes performance compensation paid based on erroneous financial data recoverable if the recipient caused the error or is responsible for the data’s accuracy. Additional clawback provisions apply to most types of stock awards if certain other misconduct occurs, such as fraud or certain competitive activities, or (starting in 2014) if grant or payment of an award was based on erroneous financial data or if a termination for cause occurs.

Stock ownership guidelines. Our guidelines set forth our expectation that nonemployee directors own five times their annual cash base retainer in First Horizon stock and executive officers own between two and six times their salary in First Horizon stock, depending on their position.

Individual director evaluations. Each year, the Nominating & Corporate Governance Committee evaluates the performance of each nonemployee director prior to determining whether to recommend him or her to the board for renomination. At least every three years, in lieu of the evaluation by the Nominating & Corporate Governance Committee, the company engages a third party to conduct individual director assessments and to provide advice and reports on how individual directors and the board can improve.

Hedging. Company policy prohibits directors and executive officers from hedging with respect to First Horizon stock.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 6 Here for Our Communities

First Horizon believes that the success of our company centers on the success of our communities across the Southeast. Through philanthropy, community development, volunteerism, and our various programs and initiatives, our company is working diligently to strengthen our communities.

Volunteerism Philanthropy

Community Development Stronger Communities

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 7 Volunteerism Our employees are volunteer leaders because we believe in investing in the communities that make our success possible. We have a great team of volunteers who are passionate about the issues they’re helping address in their local communities. Great people build great communities, and great communities allow great financial services companies to thrive. That’s why we see volunteerism as a critical part of our community investment strategy.

To support our employee volunteers who donate thousands of hours of community service every year, we have both our leadership grants and matching gifts programs. Through leadership grants, our company encourages employees to take on leadership roles at nonprofit organizations working hard to make our communities better. We also offer matching gifts to promote charitable contributions by employees and to support causes that matter to them.

Second Harvest Food Bank of Middle Tennessee

First Horizon is proud to support and partner volunteers donated nearly 180 hours sorting with Second Harvest Food Bank of Middle and packaging food at the Second Harvest Tennessee – one of the largest and most Distribution Center in Nashville, TN for those at comprehensive food banks nationwide. With a risk of hunger in the community. One volunteer mission to feed hungry people and help solve group alone sorted more than 7,300 pounds of hunger issues in the community, Second Harvest food in one volunteer shift – the equivalent of distributes food to children, families, and seniors more than 6,000 meals for those in need. through a network of 460 Partner Agencies in its 46-county service area. Through donations of funds and volunteer hours throughout 2019, First Horizon and its employees continued its ongoing support of Second Harvest’s mission, directly making an impact in the lives of the 1 in 8 people – including 1 in 6 children – who face hunger in Middle and West Tennessee. In 2019, First Horizon Foundation funded and staffed two Second Harvest Mobile Pantries, distributing food directly to individuals and families in need through large-scale, one-day food distributions set up similar to farmers’ markets. In April and August of 2019, First Horizon-sponsored Mobile Pantries, with the help of First Horizon volunteers, distributed nearly 50,000 pounds of food to more than 1,300 food- First Horizon Employees working to ensure that all Middle Tennesseans

HIGHLIGHT insecure individuals. In addition, 66 First Horizon have access to the food and resources that they need.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 8 Community Benefits Agreement In 2018, First Horizon announced a five-year, $3.95 billion Community Benefits Agreement to increase access to financial resources within low- to moderate-income and underserved communities across our footprint. The Agreement is consistent with First Horizon’s commitment to drive community, economic, and small business development in the communities in which we serve. Our commitments in the Agreement to be met by 2022, and our progress to date are listed below.

$1.5 billion 3-6% $515 million $1.9 billion $40 million Goals to Reach by toward fostering of spend to to increase toward building in grants and December 2022 community support supplier homeownership small business philanthropy development diversity

Progress as of $268 million $707 million $806 million $18 million 4.13% December 2019

*Data is from January 2018 through December 2019 and is an approximation.

Community Development Efforts In addition to our Community Benefits Agreement, First Horizon is dedicated to investing in our low- to moderate- income communities by partnering with organizations that work to improve health, affordable housing, small business development, and revitalization and stabilization of inner-city areas. First Horizon has invested more than $10 million and continues to support critical needs in our low- to moderate-income communities throughout our footprint. In 2019, our Community Development grants strategically focused on causes in support of adult financial literacy, small business education and strategy, affordable housing, and workforce development.

Our Community Development efforts focus on:

• Affordable Housing – Helping people achieve dreams of homeownership • Community Revitalization and Stabilization – Revitalizing neighborhoods • Community Services Targeted to Low- to Moderate-Income Communities and Families – Improving the quality of lives of the communities we serve

• Economic and Small Business Development – Building up small businesses

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 9 New Level Community Development Corporation Our company is continuing our commitment to building better communities by supporting affordable housing and homeownership initiatives. To help individuals achieve the dream of homeownership, we focus on distributing grants in support of affordable housing across our communities. These grants have supported homebuyer education, down payment assistance, and financing for single-family housing and multifamily units.

In Nashville, TN, New Level Community Development Corporation (CDC) received a grant to support its efforts to provide homeownership to first-time homebuyers. The grant supported more than 200 low- to moderate-income families. New Level CDC provides homeownership counseling, education for renters to improve credit scores, and financial literacy in regard to conventional banking products. New Level CDC clients celebrating their first-time home purchase.

Change Center of Knoxville Revitalization is one of the key elements to building better communities. First Horizon Community Development grants have contributed to revitalization projects across our footprint to organizations like the Change Center of Knoxville.

The Change Center of Knoxville opened its doors in 2018 and assists a target audience of at-risk youth ranging from ages 14-24 by providing job skills training, financial literacy, entrepreneurial mentorship, and recreational programs. The Center is a safe haven where teens and young adults canplay, relax, and foster a sense of community. HIGHLIGHT One of the Change Center’s recreational rooms, designed to foster a sense of community among Knoxville teens and young adults.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 10 A Message from the First Horizon Foundation Chairman For decades, First Horizon Foundation has provided philanthropic support to uplift and enrich our communities across the Southeast. With more than $100 million contributed, grants have been provided to reinforce the efforts of nonprofit partners and their programs and initiatives.

Our Foundation has operated as First Tennessee Foundation in Tennessee, Texas, and Mississippi and as Capital Bank Foundation in Florida, North and South Carolina. We unified our brand in 2019, and we are now recognized as First Horizon Foundation across our footprint.

Since inception, our Foundation has continued to invest in a way that responds inclusively to needs while promoting progress and prosperity across our communities by directing philanthropic efforts towards:

• Arts & Culture • Education & Leadership • Environmental Sustainability • Financial Literacy • Health & Human Services

Our 2019 highlights include:

• Provided more than $11 million in grants to philanthropic organizations in the communities we serve.

• Expanded Foundation’s reach to Florida (Naples, Tampa, Miami, Keys, etc.). • Provided a grant to support ongoing efforts to rebuild a hospital in South Florida following Hurricane Irma in 2017.

• Matched more than $445,000 in donations from First Horizon employees and executives to double the impact of their personal gifts.

• Supported more than 650 organizations.

Sincerely,

Charles G. Burkett

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 11 About First Horizon Foundation Founded in 1993, First Horizon Foundation is the private charitable foundation of First Horizon National Corporation. To Knothole Foundation date, more than $100 million has been invested in nonprofit The mission of the Knothole Foundation in partners across our communities. Charlotte, North Carolina, is to promote the In addition to grants, First Horizon Foundation provides sport of baseball in underserved communities employee matching gifts. Our corporate matching gifts and to create life opportunities for underserved program encourages charitable contributions by First Horizon youth by providing access to facilities, employees, and eligible donations are matched by our education, mentoring, life skill services, health Foundation. Additionally, our Community Development efforts and wellness programs, scholarship camps, and college visibility. In doing so, they hope to invest in low- to moderate-income communities and focus develop the skills and abilities of underserved on improving health, affordable housing, and small business youth to the highest level, and in turn pave development, as well as revitalization and stabilization of inner- the pathways to a more prosperous future and city areas. community. As the Foundation invests in nonprofit organizations across the The Knothole Foundation, along with former Southeast, it will continue to target investments toward these MLB players, has created the Tuckaseegee pillars of a strong community: Dream Fields to make a lasting impact in the • Arts & Culture: Emphasizing excellence and Charlotte community. enrichment in the arts First Horizon Foundation made a significant contribution to the Knothole Foundation and the • Education & Leadership: Educating and developing the Tuckaseegee Dream Fields because we believe next generation of leaders their mission aligns well with the pillars of our • Environment: Promoting a more sustainable future Foundation. When our community succeeds, we succeed and will continue to grow. • Financial Literacy: Investing in the financial future Beyond the Foundation’s investment, we plan • Health & Human Services: Improving the well-being of to engage our employees through volunteerism our communities and financial literacy education, offering Our Grantmaking Process clinics and academic tutoring support to the Charlotte-area youth. Our grants are invested to respond inclusively to community needs and promote progress and prosperity. With the development of the baseball fields in Charlotte, we are able to contribute to the We do not use corporate contributions to support: future success of an underserved population • Individuals in one of our North Carolina communities and develop future leaders. • Trips and tours HIGHLIGHT • Solely religious, social, or fraternal organizations • Charities that redistribute funds to other charitable organizations, except in the case of recognized united fund-type organizations • K-12 schools (except for the Matching Contribution program) • Political organizations or those having the primary purpose of influencing legislation or promoting a particular ideological point of view • Operating budget deficits How to Apply Funding requests must be formally submitted through the Rendering of the Tuckaseegee Dream Fields, set to open in spring 2020, which will promote the sport of baseball while offering underserved youth Foundation’s online grant system. access to facilities, mentoring, education, and much more. Visit firsthorizonfoundation.com to learn more.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 12 2019 Highlights by Region

East Tennessee: • Davidson County’s public school population is 23% Hispanic/Latino, and Disability Rights Tennessee While 85% of youth below the poverty line in • (DRT) works to ensure that all students receive Niota, Tennessee, organizations like the YMCA quality education and enjoy a high quality of school Niota Summer Day Camp are creating safe life in all its aspects, and that rules, regulations, places for underserved youth to just be kids. policies and practices provide equal opportunities Our support allows each camper to make new for all children. With our help, the DRT can work friends, participate in service projects, and try toward removing language barriers by translating engaging activities for personal development. materials and providing dedicated bilingual • For 70 years, the Helen Ross McNabb Center support to families. has provided East Tennessee with mental health, The Sexual Assault Center encourages and addiction, and social services. Our Foundation’s • empowers people to seek treatment for sexual grant will allow the center to expand their abuse. Our support ensures that the clinic is able to footprint by opening a new facility and treating help over 130 people heal each year. more than 25,000 individuals in need. North Carolina: • Our contribution to Remote Area Medical is expected to provide over 8,500 Tennessee • Our donation to the YMCA Summer Discovery Camp residents with free dental, vision, and medical provides full-day care packed with enriching activities care through mobile clinics in 2019. throughout the summer to encourage children to be year-round, lifelong learners and leaders. Florida: Last year, the Hospitality House Food Pantry served Our support of the South Florida Hispanic • • 8,948 people who were at or below the federal Chamber of Commerce Foundation enhances poverty line. Our funds were used to support the the quality of education for more than 5,000 expansion of their storage space and services. Hispanic minority students and empowers our minority youth to become leaders. Northeast Tennessee: Greeneville Theatre Guild is working toward • With our help, low-income minority students • have an opportunity to explore careers in the renovating their 125-year-old building. Thanks banking industry through the Future Bankers & to our contribution, they will be able to provide Financial Literacy Program. The students will theatrical and musical productions, educational also attend financial literacy programs in the programs for both youth and adults in performance areas of savings/budgeting, credit, and identity arts, and community outreach programs. theft & fraud. • To meet the evolving nature of education, One- to-One – Technology Initiative – Greene LEAF • The Foundation’s philanthropic grant to Good Health Clinic, the only free clinic in the Florida will provide computer access to all students in the Keys, provides accessible healthcare to nearly Greene County School System. Our funding helps 700 low-income, uninsured residents each year purchase a mobile computer lab for high school use. who would otherwise not be able to attain it. • Bristol Recovery Road for Women, Inc. works to Middle Tennessee: teach women how to live free from addictions, and our grant was used to teach residents about The Young Soloist program, an initiative • financial counseling, budgeting, shopping of the Kennedy Center in Washington, DC, responsibly, meal planning, cleanliness, and other opens doors to young artists with disabilities skills, all while living rent free. by giving them the opportunity to record songs, train, perform, and compete on the • Our funds to ARCH will help 100 homeless clients international level. With the Foundation’s stay off the streets by getting access to housing contribution, these talented artists will live out supportive services and obtaining SSI/SSDI their dream in a once-in-a-lifetime experience. benefits.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 13 Northwest Mississippi: • Our grant to Santa Project, Inc. in Cleveland, Tennessee helped to fund their Story Power Healing Hearts Child Advocacy Center • Program, a fun, creative group process that makes (HHCAC) serves a population of 207,192 the art of oral storytelling and story creation in DeSoto and Tate counties to provide accessible to sufferers of Alzheimer’s/dementia resources for victims of child abuse and their by replacing the pressure to remember with the nonoffending caregivers, and our Foundation encouragement to imagine. is proud to help end the intergenerational cycle of abuse. West Tennessee:

South Carolina: • First Horizon Foundation funds were used in support of the Carpenter Art Garden, whose art We were the premier sponsor of FAM JAM, the • programs are geared toward creating long-term biggest family-oriented event at the Children’s relationships with youth through art with the vision Museum of the Lowcountry. Our employees of helping them create their best futures, enrich also volunteered to assist in the event’s creativity, and uplift participants’ self-esteem. activities. Through our help, they reached approximately Southeast Tennessee: 3,300 students in 2019, who worked together to complete a Mosaic Memorial Garden. • The Foundation’s funds were used in support of Creative Discovery Museum’s AmuseUm • New Leaders transforms Memphis’ most fundraiser to offer hands-on, meaningful underserved schools by recruiting and training learning experiences for children to help educational leaders. Our grant allows programs find their passions. This resource for the such as Emerging Leaders, Aspiring Principals community offers programs and exhibits to Program and Induction, and School Transformation over 300,000 children and families annually, with Principals & Teams in Priority Schools to create with more than 52,000 students served exceptional leadership teams in schools to address through school outreach programs. achievement and performance challenges.

• Our continued support of the Business • The Foundation’s capital support provided funding Empowerment Academy covered the to Memphis River Parks Partnership to reimagine costs for 20 high school students from and redesign 30 acres of the Memphis Riverfront, disadvantaged backgrounds to attend the specifically Tom Lee Park, and assist in providing Academy. During the summer, the students connectivity and transformative greenspace to the prepare for college by learning strategies for community. success. • Our grant to the Wolf River Conservancy helped • Junior Achievement of Chattanooga, Inc. with the completion of the 26-mile Wolf River benefits 525 East Lake Elementary School Greenway trail within the city of Memphis that students in their “JA in a Day” and “JA Job connects some of the lowest- and highest- Shadow” programs. Our grant inspires these income areas. The project will also protect Wolf students to succeed in a global economy by River water quality and wildlife habitat, promote learning work readiness, entrepreneurship, healthy lifestyles in the region, encourage future and financial literacy. conservation through education, attract business, Community Banks: and retain professional talent and tax base. Our donation to the RIFA’s Snack Backpack Homeward Bound of Western North • • program will cover the cost of food items for over Carolina has a mission to end the cycle of 750 snack backpacks, which will provide snack homelessness. Our Foundation supported backpacks for the entire school year to 17 students. their Permanent Supportive Housing Program, The program serves nearly 1,300 elementary which moves the most vulnerable, long-term school children living in food-insecure homes from chronically homeless individuals into housing 14 schools in the Jackson-Madison County School and provides case management to help them System who have little or, quite possibly, no food remain housed. In 2019, 230 households were on Saturdays and Sundays. served, with 50 of those being new move-ins.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 14 Local Contacts

Tennessee:

Memphis, TN – Bo Allen

Jackson, TN – Bill White

Nashville, TN – Carol Yochem

Cookeville, TN – Pat Roper

Knoxville, TN – Dave Miller

Maryville, TN – Greg Wilson

Tri-Cities, TN – Gerald Hallenbeck

Cleveland, TN – Bill Martin

Chattanooga, TN – Jay Dale

Florida:

Broward and Palm Beach counties – Josh Folds

Naples/Southwest Florida – Bryan Simmering

Florida Keys – Michele White

Miami – Roberto Muñoz

Northwest Mississippi – Michael Parker

North and South Carolina – Rick Manley

Asheville, NC – Peter Best

Hickory, NC – Jason Triplett

Houston, TX – Gary Olander

Questions? Contact [email protected]

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 15 2019 Nonprofit Grants and Matching Gift Recipients

• 100 Black Men of Middle Tennessee, Inc. B • Boys & Girls Clubs of the Tennessee Valley • Ballad Health Foundation A • Bradley Cleveland Public Education • Ballet on Wheels, Inc. Foundation • A Betor Way • Baptist Health South Florida Foundation • Bridges of Williamson County • A Place at the Table • Baptist Health System Foundation, Inc. • Brightbridge, Inc. • A Secret Safe Place for Newborns of • Barrier Islands Free Medical Clinic, Inc. Tennessee, Inc. • Brightstone, Inc. • Believe Memphis Academy • A Step Ahead Foundation of East • Bristol Chamber Foundation Tennessee, Inc. • Belmont University • Bristol Recovery Road for Women, Inc. • A Step Ahead Foundation • Berkeley Preparatory School, Inc. • Bristol’s Promise/Youth Networking Chattanooga, Inc. • Bessie Smith Cultural Center Alliance • A Step Ahead Foundation, Inc. • Bethlehem Center of Charlotte, Inc. • A.H. of Monroe County, Inc. C • Big Brothers Big Sisters of America • ABC of North Carolina Foundation • Caldwell 2020, Inc. • Big Brothers Big Sisters of Middle • Abe’s Garden Tennessee • Caldwell Chamber Initiatives

• African American Heritage Society • Big Brothers Big Sisters of Palm Beach • Camillus House, Inc. Museum and Martin Counties, Inc. • Campbell Foundation • Akima Club, Inc. • Big Brothers Big Sisters of East • Cannon Street YMCA Tennessee • Alcoa City Schools Foundation, Inc. • Capitol Theatre of Greeneville, Inc. • Binghampton Christian Academy • Alliance for Nonprofit Excellence • Carnival Education Fund • Birthright of Memphis, Inc. • Alps Adult Day Services • Carolina Caring, Inc. • Blind & Charity Fund/Downtown • American Cancer Society, Inc. Nashville Lions Club • Carolinas Metro, Inc. • American Heart Association • Blood:Water Mission • Carson-Newman University • ALSAC/St. Jude Children’s Research • Blount County Children’s Advocacy • CASA of East Tennessee, Inc. Hospital Center, Inc. • Catawba Valley Community College • American National Red Cross • Blount County Education Foundation K-64 Initiative • Amigos en Cristo • Blount County Friends of the Library, Inc. • Center for Economic Empowerment and • Amyotrophic Lateral Sclerosis Development • Blount Memorial Foundation for Medical Association Care, Inc. • Center for Financial Training • Andrew Jackson Foundation Southeastern, Inc. • Book Em • Andrew Johnson Heritage Association • Center for Nonprofit Management • Boy Scouts of America • Animal Protection Association, Inc. • Central Piedmont Community College • Boys & Girls Clubs of Dumplin Valley Foundation, Inc. • Appalachian Regional Coalition on • Boys & Girls Clubs of Greater Kingsport Homelessness, Inc. • Centro Hispano de East Tennessee • Boys & Girls Clubs of Greater Memphis • Appalachian State University • Chambliss Center for Children Foundation, Inc. • Boys & Girls Clubs of Greeneville & • Chapman Partnership, Inc. Greene County • Appalachian Sustainable Development • Charleston Urban Squash, Inc. • Boys & Girls Clubs of Maury County • Appalachian Theatre of the High Country • Chattanooga Area Food Bank, Inc. • Boys & Girls Clubs of Middle Tennessee • Arts Based School • Chattanooga C A R E S, Inc. • Boys & Girls Clubs of Morristown • Arts Memphis • Chattanooga FC Foundation • Boys & Girls Clubs of Rutherford County • Artsbuild • Chattanooga Girls Leadership • Boys & Girls Clubs of the Mountain • Asian Culture Center of Tennessee Academy, Inc. Empire • Athens-McMinn Family YMCA • Chattanooga Prep, Inc. • Boys & Girls Clubs of the Ocoee Region • Austin Hatcher Foundation for Pediatric • Chattanooga Room in the Inn, Inc. • Boys & Girls Clubs of the Smoky Cancer Mountains • Chattanooga State Community College • Ave Maria Foundation of Memphis, Inc. Foundation

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 16 • Chattanooga Symphony and Opera • Crime Stoppers of Memphis & Shelby • Emerald Youth Foundation Association County, Inc. • Emily’s Power for a Cure • Chattanooga Women’s Leadership • Crossroads Campus • Encore Theatrical Company Institute • Crossroads Corporation for Affordable • End Slavery Tennessee • Cheekwood Botanical Garden and Housing and Community Development Museum of Art • Entrepreneur Development Center • Crossroads Downtown Partnership, Inc. Southwest Tennessee, Inc. • Child Advocacy Center of the Third • Crumley House Head Injury Judicial District • Equal Chance for Education Rehabilitation • Children’s Advocacy Center of Catawba • Erlanger Health System Foundations • Cultureworks, Inc. County, Inc. • Evangelical Christian School of • Cumberland Pediatric Foundation • Children’s Advocacy Center of Hamilton Memphis, Inc. County • Cumberland Region Tomorrow • Exchange Club-Carl Perkins Center for • Children’s Museum of the Low Country • Cystic Fibrosis Foundation the Prevention of Child Abuse

• Children’s Museum of the Upstate, Inc. D F • Christian Brothers La Salle High School • Dandridge Scots-Irish Festival • Faces and Voices of Recovery Greenville • Christian Brothers University • Darkness to Light • Facing History and Ourselves, Inc. • Christian Community Services, Inc. • Dawn of Hope Foundation • Faith Family Medical Center • Church Health Center of Memphis, Inc. • Delta Wildlife • Family Cornerstones, Inc. • Circuit Playhouse, Inc. • Desoto Grace • Family Safety Center • Cleveland Bradley Regional Museum • DHIC, Inc. • Family Services • Cleveland State Community College Foundation • Disability Rights Tennessee • Fannie Battle Day Home for Children, Inc.

• Cleveland/Bradley Chamber Foundation • Dismas House • Farmers and Hunters Feeding the Hungry, Inc. • Coalition for Kids, Inc. • Dixon Gallery and Gardens • Fayetteville Cumberland County • Colab • Doctors Without Borders Continuum of Care on Homelessness • Collier County Child Advocacy • Dogwood Arts Festival, Inc. • Fellowship of Christian Athletes Council, Inc. • DonorsChoose • Firmkeys, Inc. • Communities in Schools of Tennessee • Doors of Hope • First Art Museum • Community Care Fellowship • Downtown Kingsport Association, Inc. • First Steps, Inc. • Community Coalition Against Human • Dr. Jose Regueiro Foundation Trafficking • First Things First, Inc. • Dr. Martin Luther King Jr. Scholarship • Florida Atlantic University Foundation, Inc. • Community Cooperative, Inc. Fund of Rutherford County • Community Foundation of Greater • Florida International University • Dress for Success Houston Memphis, Inc. • Food Bank of Central & Eastern North • Ducks Unlimited, Inc. • Community Legal Center Carolina • Community Lift Corporation E • Forsyth Humane Society • Community Reinvestment Alliance of • Fort Sanders Foundation • East Cooper Community Outreach South Florida, Inc. • Foundation for the Cleveland Public • East Tennessee Children’s Hospital Library • Consumer Credit Counseling Service of Association, Inc. Western North Carolina • Foundation of Caldwell Community • East Tennessee Community Design College • Cookeville Regional Medical Center Center, Inc. Foundation • Frankie Lemmon Foundation • East Tennessee Foundation • Coral Restoration Foundation, Inc. • Friends of Franklin Parks, Inc. • East Tennessee Kidney Foundation, Inc. • Cornerstones, Inc. • Friends of Great Smoky Mountain • East Tennessee State University National Park, Inc. • Country Music Foundation Foundation • Court Appointed Special Advocates • Friends of Hospice of the Lakeway • El Buen Pastor Latino Community Area, Inc. • Creative Aging Memphis Services • Friends of the Chickamauga and • Creative Discovery Museum • Elliot-West End Athletic Association Chattanooga National Military Park

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 17 • Friends of the Levitt Pavilion Memphis, Inc. • Greeneville Theatre Guild • Hope Works, Inc.

• Friends of the Parks Foundation • Growth Enterprises Nashville • Horizon Foundation, Inc.

• Friends of the Warner Parks, Inc. • Guardian Angels for Special • Hospice and Palliative Care Center Populations, Inc. • Friends of the Zoo, Inc. • Hospitality House of the Boone Area

• Full Circle Women’s Services H • Houston Museum of Decorative Arts • Houston’s Amazing Place G • Habitat for Humanity International • Hunter Museum of Art • Habitat for Humanity of Catawba Valley • Gateway to Independence • Habitat for Humanity of Cleveland • Gatlinburg Chamber of Commerce I Foundation • Habitat for Humanity of Greater • I M Sulzbacher Center for the Homeless Chattanooga • Gayle S. Rose Foundation • Ijams Nature Center, Inc. • Habitat for Humanity of Greater Miami • Genesys Works • IMPACT for Developmental Education • Habitat for Humanity of Greater • Germantown Performing Arts Center Nashville • Informed Families the Florida Family • Gestalt Community Schools Partnership, Inc. • Habitat for Humanity of Key West and • Gift of Life Mid-South, Inc. Lower Florida Keys • Inquiring Systems, Inc.

• Gifts for Kids • Habitat for Humanity of Wake County • Insight Training & Educational Center, Inc.

• Girl Scout Council of the Southern • Hagar Center, Inc. • Integrity Foundation, Inc. Appalachians • Hamblen County Foundation for • Inter-Faith Food Shuttle • Girl Scouts of Connecticut Educational Excellence • Interfaith Health Clinic, Inc. • Girl Scouts of Middle Tennessee • Hard Bargain • International Rescue Committee • Girl Talk, Inc. • Harmony Family Center, Inc.

• Girls Incorporated of Bristol • Harvest Free Medical Clinic J

• Girls Incorporated of Chattanooga • Harvest Hands Community • Jackson Christian School, Inc. Development Corporation • Girls Incorporated of Hamblen County • Jackson Symphony Association • Harwood Center, Inc. • Girls Incorporated of Johnson City & • Jason Foundation Washington County • Hattiloo Theatre • JDRF International • Girls Incorporated of Memphis • Healing Hands Health Center • Jeff Gordon Children’s Foundation • Girls on the Run of Greater Knoxville • Healing Hearts Child Advocacy Center • Jefferson County Educational and • Good Health Clinic, Inc. • Healthy Start Coalition of Southwest Community Foundation Florida • Good Samaritan CTR of Loudon County • Johnson City Jonesborough Washington • Hear Congo, Inc. County Chamber Foundation • Goodwill Industries - Knoxville • Heart of a Servant Ministries • Johnson University • GraceWorks Ministries • Heels to Heal, Inc. • Junior Achievement of Arizona • Great Schools Partnership • Heights Center, Inc. • Junior Achievement of Chattanooga • Great Smoky Mountains Heritage Center, Inc. • Helen Ross McNabb Mental Health • Junior Achievement of East Tennessee Foundation • Great Smoky Mountains Institute • Junior Achievement of Memphis and the • Helping and Lending Outreach Support Mid-South • Great Smoky Mountains Association • Heritage Alliance of Northeast • Junior Achievement of Middle • Greater Chattanooga Public Television Tennessee Corporation Tennessee and Southwest Virginia • Heritage Foundation of Franklin and • Junior Achievement of Ocoee Region • Greater Naples Young Men’s Christian Williamson County Association • Junior Achievement of Tri Cities • Hernando Desoto Habitat for Humanity • Greene County Firewood Ministry • High Country United Way K • Greene County Local Educational Advancement Foundation • Historic Tennessee Theatre Foundation • Kay Yow Cancer Foundation, Inc.

• Greene County United Way • Homeward Bound of Western North • Keys Children’s Foundation Carolina, Inc. • Greeneville City Schools Foundation • Kids on Point, Inc.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 18 • Kingdom Community Development • Make A Wish Foundation of the Mid- South • Miss Tennessee Volunteer Scholarship Corporation Organization • Marbles Kids Museum • Kingsport Chamber Foundation • Montessori Academy, Inc. • March of Dimes • Kiwanis Charities, Inc. • Morning Pointe Foundation • Maryville City Schools Foundation • Kiwanis Club of Greater Collier • Mose and Garrison Siskin Memorial • Maryville College Foundation Foundation, Inc. • Mason Preparatory School • Knox Area Rescue Ministries • Mote Marine Laboratory Foundation, Inc. • Knoxville Academy of Medicine • Mountain Education Foundation • Matthew Walker Comprehensive Health Foundation Center, Inc. • Mountain Region Speech and Hearing • Knoxville Area Urban League Center • McColl Center for Art & Innovation • Knoxville Entrepreneur Center • Mountain States Foundation • Meals on Wheels of Wake County, Inc. • Knoxville Museum of Art • Muscular Dystrophy Association • Medical Foundation of Chattanooga, Inc. • Knoxville Opera Company • Muse Knoxville • Meharry Medical College • Knoxville Symphony Society, Inc. • My Sister’s House, Inc. • Memorial Health Care System • Knoxville Zoological Gardens, Inc. Foundation N • Knoxville-Knox County Council on Aging • Memphis - Shelby County Local Emergency Planning Committee • Naples Children and Education

L • Memphis Area Legal Services • Nashville Entrepreneur Center Association • L 5 Foundation • Nashville General Hospital Foundation • Memphis Botanic Garden Foundation • Lakeway CASA • Nashville Humane Association • Memphis Bridge Lighting • Land Trust for Tennessee, Inc. • Nashville Kangaroos • Memphis Brooks Museum of Art, Inc. • Le Bonheur Club, Inc. • Nashville Public Education Foundation • Memphis Center for Reproductive Health • Leadership Blount County, Inc. • Nashville Public Library Foundation • Memphis Challenge, Inc. • Leadership Donelson-Hermitage • Nashville Public Radio • Memphis Child Advocacy Center • Leadership Memphis • Nashville Public Television, Inc. • Memphis City Center Development • Leadership Music • Nashville Shakespeare Festival Corporation • Leadership North Carolina • Nashville Zoo • Memphis Delta Preparatory Charter • Leadership Preparatory School, Inc. • National Coalition of 100 Black Women – Greater Knoxville Chapter • Leadership Wilson • Memphis Fourth Estate, Inc. • National Community Reinvestment • Legacy Parks Foundation • Memphis Hightailers Foundation Coalition Community Development Fund • Leukemia & Lymphoma Society, Inc. • Memphis Jazz Workshop • National Kidney Foundation, Inc. • Little Theatre • Memphis Museum, Inc. • Navy League of the United States • Loaves and Fishes • Memphis Speech & Hearing Center, Inc. • Neighborhood Christian Centers, Inc. • Lorraine Civil Rights Museum • Memphis Symphony Orchestra, Inc. • New Ballet Ensemble Foundation • Memphis Union Mission • New Leaders • Lula Lake Land Trust • Memphis-Shelby Crime Commission • New Level Community Development • Luther College • Mental Health Association of East Corporation Tennessee, Inc. M • New Memphis Institute • Mental Health Association of Middle • New Way Academy • Macon County Community Advisory Tennessee Board • Newspring • Metro Drug Coalition, Inc. • Madelyn’s Fund • Nextstep Fitness, Inc. • Metropolitan Inter-Faith Association • Madonna Learning Center • Nexus Leaders, Inc. • Mid-South Food Bank • Make A Wish Foundation of Southern • Niswonger Foundation • Mid-South Love Home Florida • North Carolina Community Foundation • Ministerial Association Temporary • Make A Wish of Middle Tennessee Shelter, Inc. • North Carolina Council on Economic Education

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 19 • Northcrest Medical Center Foundation • Read to Succeed, Inc. • Senior Citizens Home Assistance Service

• Northeast State Technical Community • Rebuilding Together Houston • Senior Citizens, Inc. College Foundation • Reef Environmental Education • Sevier County Partners in Progress • Northside Naples Kiwanis Foundation, Inc. Foundation Education Foundation

• Northside Neighborhood House • Refuge Center for Counseling, Inc. • Sexual Assault Center

• Regional Inter-Faith Association, Inc. • Shadow Wood Charitable Foundation, Inc. O • Reinvestment Partners • Shelby Farms Park Conservancy • Olive Branch Community Emergency • Remote Area Medical • Sifma Foundation for Investor Education Food Ministry • Renewal House, Inc. • Skyuka Hall • On Point • Residential Resources, Inc. • SOS Children’s Villages Florida, Inc. • One Family Memphis • Rex Hospital Foundation • South Florida Council Boy Scouts of • One Hundred Black Men of Chattanooga America • Rhodes College • One Hundred Black Men of Greater • South Florida Hispanic Chamber of Knoxville • Rivercity Company Commerce Foundation, Inc. • One Hundred Club of Memphis • Riverfront Development Corporation • South Florida Progress Foundation, Inc. • One-Eighty Place • Roane County United Way • Southern Reins Center for Equine • Operation HOPE • Roane State Community College Therapy Foundation • Operation Stand Down Tennessee • Southwest Florida Women’s • Rock the Street Wall Street Foundation, Inc. • Operations Cityscape – Cookeville, Tennessee • Ronald McDonald House Charities • Special Olympics Arizona

• Opportunity House of Greene County, Inc. • Ronald McDonald House of Durham • Special Olympics Mississippi

• Orange Bowl Committee • Ronald McDonald House of Houston • Special Olympics Tennessee

• Orange Grove Center, Inc. • Rose Center and Council for the Arts, Inc. • Speedway Children’s Charities

• Orpheum Theatre Group • Rotary Club of Homestead Charitable • St. Georges Independent School Foundation, Inc. • Our Pride Academy • St. Mary’s Cathedral • Rotary Club of Morristown, Inc. • Overton Park Conservancy • Sweet Cheeks Diaper Ministry • Rowan Helping Ministries P T S • Page-Robbins Adult Day Services, Inc. • T Ross Love Foundation • Safe Harbor Child Advocacy Center, Inc. • Palmer Home for Children • Teach For America, Inc. • Safe Harbor of North Carolina • Partnership Initiatives Fund • Teacher Town • Saint Thomas Health Foundations • Pellissippi State Community College • Teamgre3n Foundation • Saint Thomas Rutherford Foundation • Tech901 • Peoplefirst Partnership • Salem Academy & College • Tennessee Aquarium • Pet Community Center • Salvation Army – Johnston City • Tennessee Court Appointed Special • Peterson Foundation for Parkinson’s • Santa Project, Inc. Advocate Association

• Planned Parenthood – Greater Memphis • Saving Furry Friends • Tennessee Financial Literacy Region Commission • Scott Hamilton Cares Foundation • Porter-Leath • Tennessee Justice Center • Second Harvest Food Bank of East • Project Transformation Tennessee Tennessee • Tennessee Kidney Foundation, Inc.

• Promise Development Corporation • Second Harvest Food Bank of Metrolina • Tennessee Parks and Greenways Foundation • Public Markets, Inc. • Second Harvest Food Bank of Middle Tennessee • Tennessee River Gorge Trust, Inc. • Puddy Tat Protectors, Inc. • Second Harvest Food Bank of Northeast • Tennessee Wildlife Federation, Inc. Tennessee R • Texas Neurofibromatosis Foundation • Second Harvest Food Bank of NW North • Raphah Institute • The A I M Center, Inc. Carolina

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 20 • The Arc Northwest Mississippi • United Way of Chattanooga • Wake Technical Community College

• The Arc of the Mid-South • United Way of Central Carolinas • WakeMed Foundation

• The Baddour Center, Inc. • United Way of Forsyth County • Walters State Community College Foundation • The Beacon Council Economic • United Way of Greater Clarksville Region Development Foundation • Waves, Inc. • United Way of Greater Kingsport • The Cancer Support Community – East • Welcome Home Ministries • United Way of Greater Knoxville Tennessee • Welcome Home of Chattanooga • United Way of the Greater Triangle • The Change Center • Wesley House Community Center • United Way of Hamblen County • The Collective • West Point Association of Graduates • United Way of Hamlen County • The Daniel Center for Math & Science • West Tennessee Healthcare Foundation • United Way of Hawkins County • The Dee Norton Lowcountry Children’s • Westwood Youth Development, Inc. Center, Inc. • United Way of Loudon County • Wig Bank of Caldwell County • The Enrichment Center • United Way of Maury County • Wikimedia Foundation • The Helen Ross McNabb Center • United Way of McMinn and Meigs Counties • Williamson County CASA, Inc. • The Help Center • United Way of the Mid-South • Williamson County Child Advocacy • The Knothole Foundation, Inc. Center Task Force • United Way of Middle Tennessee • The Nashville Chamber Public Benefit • Winterfest Foundation, Inc. Foundation • United Way of Northwest Georgia • Wolf River Conservancy, Inc. • The National Museum of African • United Way of the Ocoee Region American Music • Women of Williamson • United Way of the Piedmont • The National World War II Museum • Women’s Care Center of Sevier County • United Way of Rutherford County • The Next Door • Women’s Theatre Festival of Memphis • United Way of Sevier County • The Regional Medical Center at • Woodward Academy, Inc. • United Way of Sumner County Memphis Foundation • United Way of Washington County Y • The Salvation Army Tennessee • The University of Tennessee Foundation • YMCA of Catawba Valley • United Way of Williamson County • The Winston-Salem Foundation • YMCA of East Tennessee • United Way of Wilson County • The Young Men’s Christian Association • YMCA of Memphis & the Mid-South • University Health System, Inc. of the Triangle Area • YMCA of Metropolitan Chattanooga • University of Chattanooga Foundation, Inc. • The Youth Builders of Greenville • YMCA of Middle Tennessee Tennessee, Inc. • University of Memphis Foundation • YMCA of the Triangle Area • Theatre Guild, Inc. • University of Minnesota Foundation • YMCA of Western North Carolina • Theatre Memphis • Upper Pamentto YMCA, Inc. • You Can Make It Homeownership • Urban Housing Solutions, Inc. • Thistle and Bee Enterprises, Inc. Center, Inc. • TNFirst V • You Have The Power...Know How To Use • Transit Alliance of Middle Tennessee It, Inc. • Vanderbilt University Medical Center • Trezevant Manor Foundation • Young Actors Guild, Inc. • Victims to Victory • TROSA, Inc. • Youth Villages • Volunteer East Tennessee • Trueu, Inc. • YWCA – Knoxville • Volunteer Ministry Center, Inc. • Tusculum University • YWCA – Nashville & Middle Tennessee • Volunteer State College Foundation • YWCA – Northeast TN & Southwest U • Volunteers in Medicine Chattanooga, Inc. Virginia

• United Housing, Inc. • VSA Arts Tennessee

• United States Olympic and Paralympic Committee W

• United Way of Blount County • W C Two

• United Way of Bristol • W O Smith Nashville Community Music School

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 21 First Horizon Foundation Board of Directors

Charles Burkett, chairman, is a lifelong William (BJ) Losch is executive vice president and chief Memphian and current First Horizon Foundation financial officer for First Horizon National Corp. He joined chairman. He attended the University of the company in 2009 and is responsible for leading its Memphis, where he received his BBA degree. He financial activities, which include treasury, accounting, also attended the University of Virginia Graduate controls, tax, financial planning, strategic planning, School of Banking. He was the immediate past investor relations, and corporate development/M&A. In advisor to the president for the University of addition, he is responsible for the company’s corporate Memphis, serving from 2013 to 2017, and served properties and procurement organizations. Losch holds in various executive leadership roles at First a bachelor of science in business administration from Horizon National Corporation from 1970 to 2011. the University of Richmond and a master of business Clyde Billings serves as assistant general administration from Virginia Commonwealth University. counsel and corporate secretary at First Horizon. Dave Miller leads our consumer and commercial In this role, he advises the company on corporate banking teams in the East, Northeast, and Southeast and securities laws, corporate governance, markets. During his nearly 25-year career with First disclosure, corporate finance, NYSE rules, Horizon, Miller has held leadership roles in marketing Reg. “O” lending, company stock, and director and corporate strategy and investor relations, earning transactions. As corporate secretary, he is several national honors. Prior to his new role, he was responsible for the preparation and distribution of executive vice president of consumer banking. He is a board and committee meeting agendas, meeting native of Buffalo, New York, and a graduate of Harvard materials, and minutes. Billings received his BA University. and JD from Vanderbilt. He has been with First Candace Steele Flippin is executive vice president Horizon since 1983. and chief communications officer for First Horizon Gregg Lansky, president, serves as manager National Corporation. Steele Flippin joined the of corporate taxes and is responsible for company in January 2018 and leads the internal and managing federal and state income tax external communications strategy, corporate social planning, risk, and compliance for the responsibility, and corporate giving. Steele Flippin is corporation. He is a graduate of Rhodes accredited in public relations and earned a bachelor’s College, the University of Memphis Law School degree from the University of Michigan, an MBA (JD), and New York University Law School (LLM). from Johns Hopkins University, and a doctorate in Lansky has over 25 years of experience in the management from Case Western Reserve University. financial services industry. Charles Tuggle is executive vice president and Tammy LoCascio joined First Horizon in 2011 general counsel for First Horizon National Corp. He and is executive vice president, consumer is responsible for all legal matters for the company, banking, with responsibilities for retail, private including compliance with securities, corporate, and client, wealth management, small business, banking laws. Tuggle practiced law for 30 years with mortgage and consumer loan delivery, call the law firm of Baker, Donelson, Bearman, Caldwell & centers, consumer products, and business Berkowitz before joining the FHN Financial division of analytics. Prior to this role, she led the retail line First Horizon Bank as chief risk officer in 2003. Tuggle of business, working with markets across the earned a bachelor’s degree from Rhodes College and organization to provide strategic direction as his juris doctorate from Emory University. He is a military well as sales and operational support. LoCascio graduate of the Georgia State University ROTC program graduated from the University of Florida with a and was commissioned as a second lieutenant in the degree in marketing and business administration. United States Army.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 22 Here for Our Employees

We ATTRACT Talent development workshops; and board meetings with market leaders and executives. There were 72 participants in the At First Horizon, we seek to attract the best employees 2019 intern class. There was representation from over and empower them to build enduring relationships 30 colleges and universities across the country. Twenty with the people they serve. In 2018, we announced the percent of the participants extended their internship increase of minimum pay to $15 an hour for all employees, beyond the regular program. The NextTech Intern because we believe that investing in our employees is program launched in 2019. This program focused on crucial to the success of our organization, customers, and internship opportunities for high-potential technology communities. students. The action learning projects centered on solutions to current and future financial services Our company’s employment process supports our technology trends. The First Horizon Internship Program commitment to equal opportunity and affirmative action, is not only designed to benefit the student by exposing and that includes our Summer Internship Program. them to real business situations, but as an organization, The First Horizon Summer Internship Program is a we also benefit from the perspective and creativity of the 360-degree program that provides expert experience, workforce of the future. fosters professional development, and cultivates We RETAIN Talent community involvement. The Internship Program consists of eight weeks of professional training and mentoring by At First Horizon, we believe in putting our employees a subject matter expert in a particular field. In addition, first. We work diligently to foster a sense of community the intern participates in networking opportunities; amongst our employees by providing a strong company community service activities; a final project indicative of culture, offering competitive benefits and programs, and knowledge, skills, and experience acquired; professional maintaining effective communication across our footprint.

Our Firstpower Culture is one of our competitive advantages and is centered on our company’s values: I am fortunate to have been a part of the First Horizon accountability, adaptability, integrity, and relationships. To “ Internship program; throughout my summer in the program, keep our culture strong, it evolves as our company does. I had the opportunity to network with and learn from Nashville leaders in the Middle Tennessee region while The Firstpower Council serves in an advisory capacity

refining my business skills for my future roles. I am honored

to the executive management committee. Its purpose is to work for a company that has invested in my personal“ and professional growth, and I am thankful to have been at First to make recommendations to advance the culture and Horizon in a full-time role for nearly three years! provide feedback on key initiatives. Its broader mission is to help executive management foster an environment of Evin Edens accountability, adaptability, integrity and relationships. First Horizon Advisors Client Specialist

Our Firstpower culture makes us unique as a company. Our Firstpower Council serves as the liaison between employees and executive leadership to foster a strong sense of community across our organization.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 23 Our corporate wellness program, Wellness First, is designed to promote the importance of leading a healthy lifestyle and provide initiatives to help employees achieve their wellness goals. The program focuses on four key components of wellness that are supported by company wellness initiatives to help employees make healthier lifestyle choices – fitness first, prevention awareness, healthy eating, and stress management.

The wellness program is supported by the company’s Wellness Council. The Council is charged with partnering with the company to create and deliver programs and education that address the physical, emotional, and financial needs of our employees and their families. In addition to the Council, over 400 employees serve as Wellness Champions, who help deliver the messages and programming across the company’s diverse footprint.

We maintain a company intranet, FirstNet, to serve as a hub for all company-related communications, and we deliver monthly and weekly newsletters to our employees highlighting important company news. Employees receive company updates from our CEO and have the opportunity to speak directly with him during CEO Office Hours. In addition, our CEO and CFO lead quarterly conference calls to deliver company earnings to our employees.

First Horizon’s Competitive Benefits are designed with our people in mind. Our company is committed to rewarding employees with a competitive compensation package.

Benefits Overview*

Health: Family: • Health, dental, and vision coverage • Employee relief program • Wellness program • Classroom visitor program • Medical ally services • Company-provided group life insurance • Lifestyle coaching • Adoption reimbursement, up to $15,000 • Chronic management and disease per adoption/$30,000 per year support • Family leave, up to 12 weeks • Wellness financial initiatives • Paid holidays and vacation, up to 4 weeks • Flexible spending accounts • Sick/emergency pay Financial: • Vacation donation program • First horizon 401(k) savings plan • Maternity leave, up to 8 weeks • 100% Company match, up to 6% • Paternity leave, up to 4 weeks • Health savings account, up to $1,200 Career: employer contributions • Career development library • Short- and long-term disability • Computer-based training • Flexible dollars, up to $5,600 per year • Employee mentoring program Education assistance program, up to • Free checking and financial services • discounts $3,500 per year

*These benefits are subject to change and may have certain criteria based on role.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 24 We DEVELOP Talent

In addition to benefits, we are committed to providing employees with the tools and resources needed to excel in their jobs, as well as in their careers.

One way we do that is through our Corporate Mentoring Program. As part of our evolving talent strategy, we have implemented a new program powered by Together Mentoring allowing participants to easily find mentoring relationships that provide meaningful coaching and networking experiences. Participants are matched on a number of areas, including goals, skills, and diversity preferences. This new software, implemented in August 2019, allows us to track the progress

and results of the Mentoring Program. A few statistics, Employee development is important to us, and corporate mentors play a captured from August to December of 2019, are listed below. huge role in helping our employees succeed in their professional goals.

344 Average mentor rating: 524 total mentor-mentee registered participants 3.9 meetings completed out of 4 stars

As of 12/31/19

What our employees had to say:

“Through the first two meetings, I feel that the mentorship program has been really effective. My mentor has provided insight Every session is great because “ to a side of the bank that I am interested in,

there is always something

sending me tools to be able to train for a new that I have learned from

position move and introducing me to other “ my mentor. I like this program

people in the bank who could also give me because it gives me an “ insight on my personal career path goals. opportunity to grow and learn more about this company.

“My mentor is phenomenal. She is very receptive to concerns and goals and how to go about overcoming“ them. Her experience and guidance are very promising for me and my future with the company.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 25 Here for Our Customers Our new brand promise – understanding the unique needs of our customers and putting that knowledge into action – will shape the transformation of the customer experience. It will also serve as the North Star of how we work and advise our customers.

~450 ATMs Protecting Our Customers At First Horizon, we recognize the role we play and responsibility we have in protecting the sensitive information of our employees and ~800,000 customers. Customers Served* As a result, all employees are required to complete annual training, which includes:

• Company ethics and policies 272 • Privacy and identity theft training Banking Centers • Corporate records management (biennial)

• Fraud and security awareness training 72% • Bank secrecy act/anti-money laundering Digital Banking training, including know your customer Penetration training

• Fair lending and equal treatment training In addition, targeted and job-specific training $42 billion for employees includes: Assets • Bank secrecy act/anti-money laundering (in-depth)

• Commercial loan fraud Consumer lending $29 billion • Loans • Cybersecurity awareness • Electronic marketing using phone, fax, and e-mail

Financial officer/advisor code of ethics $32 billion • Deposits • Hipaa privacy and security training • Regulatory foundations for lenders

As of 12/31/19 *Total number of consumer and commercial customers served in 2019.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 26 Our Partnership with Operation HOPE Empowers Communities

Cora Cleasants had her “Aha!” moment Through HOPE’s partnership with First Horizon one afternoon after doing the books for Bank and the COGIC Urban Initiative, Cleasants the trucking company that she worked successfully acquired the business credit she for. “As I was packaging the checks to needed by taking business credit and money take to the bank, I realized what they were management courses. In 2019, she attended the making in a week is what I was making in Operation HOPE symposium in Atlanta, Georgia, a month,” she said. She quickly decided to pitch her business to a panel and won a $10K that entrepreneurship was exactly what she prize to benefit CM Enterprises, Inc., her business. needed to do and that it was time to buckle down to fulfill a lifelong dream. Since she These testimonials are so important when already knew the business side of trucking, telling the Operation HOPE story. Through our Cleasants decided to immerse herself in the partnership, we are able to financially empower industry. the communities that we serve. This year alone, we opened nine new HOPE Inside locations, She attended trucking school, earned bringing us to our committed 30 locations. her Commercial Driver’s License, and HOPE Inside locations served more than 28,000 began learning the business while driving clients, and more than 140 new small businesses 18-wheelers. She saved as much as she could were created. each paycheck to invest into her business and was able to purchase five older-model dump trucks to get started. She continued to work, save, and invest until she was able to sell her older-model trucks to purchase newer ones to make sure she was a strong contender in the market.

Cleasants found Operation HOPE as a way to establish her place in the industry and learn what she couldn’t teach herself. “When I started attending the seminars with HOPE financial well-being coach Trudy Morrison, I was already a business owner, but I wanted to

HIGHLIGHT learn more about improving my Beacon score and how to acquire business credit,” she said.

Carol Yochem (center), Middle Tennessee Region president, celebrates the opening of HOPE Inside in our Clarksville, Tennessee Banking Center.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 27 Here for Diversity and Inclusion At First Horizon, our belief is that the best way to be truly inclusive, beyond having diverse talent and customers, is to create opportunities to find commonalities and build relationships with people representing different backgrounds and cultures.

Our formula and strategy, Diversity + Affinity = Inclusion, is focused on three key aspects of our organization: workforce, workplace, and marketplace. Long-term success requires that we appreciate our differences but focus more on what we have in common. Workforce

We are committed to continuous improvement in increasing, developing, and promoting multicultural talent and are dedicated to the goal of meaningful diversity and inclusion at every level of the organization. Biannually, senior leaders receive data on the composition of their teams, along with insights and recommendations for balancing diversity relative to race/ethnicity, gender, and generation. We are especially focused on increasing underrepresented talent in key business units, in leadership roles, and in our top-tier salary levels.

To further accelerate representation of multicultural talent in revenue-generating and customer-interfacing roles, we implemented a Strategic Hiring Initiative. This initiative provides highly talented individuals with mentors, customized development plans, and on-the-job experience to accelerate their progression and proficiency in their role. Since 2017, 94% of those hired have completed their development program, and we have experienced a 71% retention rate.

Corporate Executives Managers Corporate Executives Managers

75% white 79% white 70% male 55% female 10% black or 14% black or 30% female 45% male African American African American 10% Hispanic or Latino 5% Hispanic or Latino 5% two or more races 2% Asian 1% two or more races

Employee Data as of 12/31/19

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 28 Workplace

We work hard to embed diversity and inclusion into the fabric of our culture. To better connect with other diverse colleagues, we use Employee Resource Groups (ERGs) to drive leader and employee engagement, foster support, and provide networking opportunities. Employees can join one of the 12 chapters of these seven ERGS:

• Alliance & Allies ERG: Dedicated to the support of diversity and inclusion for lesbian, gay, bisexual, and transgender employees and their parents, families, friends, and straight allies.

• Bankers en Motion ERG: Provides a support system for inclusion, community outreach, and professional development.

• Diversity Networking Association ERG: A collaborative and diverse networking experience that affords members access to career and community-focused opportunities for networking experiences.

• Gen Now ERG: Fosters professional development and engagement among employees to become future leaders and encourage innovation and inclusion in a multigenerational workforce.

• Veterans Support Association ERG: Supports our employee veterans, their families, and veterans groups in our communities.

• Women’s Initiative ERG: Promotes the success of women within our communities.

• Working Parents ERG: Provides support, encouragement, and guidance to employees who serve in the capacity of a caregiver. This includes, but is not limited to, caregivers for children, aging parents, siblings, and individuals with health issues.

In addition to our Employee Resource Groups, employees can further engage by becoming members of the company’s Inclusion and Diversity Council. The Council, led by two executive sponsors, comprises employees representing a wide range of business lines, seniority levels, and backgrounds to recommend initiatives that promote inclusion across our organization.

First Horizon is committed to providing a work environment that is free of harassment or discrimination and has a strict policy prohibiting workplace harassment and discrimination. We follow regulations from the U.S. Department of Labor in developing and executing our hiring practices. Marketplace

At First Horizon, we are dedicated to assisting our customers across various backgrounds and lifestyles in attaining greater economic self-reliance by helping them select the best products and services to meet their financial needs. We work diligently to acquire multicultural customers, vendors, and community partners. • Women and Wealth Strategy: We engage, empower, and enrich our female clients so that they may achieve financial independence. Because of the record number of women in entrepreneurial and investment roles, our team is equipped to both understand and better serve this growing customer base. • Supplier Diversity: First Horizon is committed to enhancing our diverse supplier base, including Minority- owned, Women-owned, Disadvantaged, and Veteran Business Enterprises. First Horizon’s practice of including these diverse businesses in the sourcing process makes us more competitive by including fresh and various viewpoints in our business processes, while representing our customers, shareholders, and the communities in which we operate. • Multicultural Customer Strategy: To foster more awareness on how to better serve our customers of color, we formed the Multicultural Customer Council. This council is composed of diverse leaders across industries and serves to inform both our executive leadership and our strategy.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 29 Here for the Environment First Horizon promotes sustainability and is committed to being a good steward of the environment with emphasis on energy management, reducing hazardous waste, and recycling.

Through recycling, alternative and renewable energy, and energy efficiency efforts, we are working to reduce our company’s carbon footprint, all with sustainability in mind.

1 Million+ 10,000+ 2 Million+ 250,000 4 Million+ pounds of = trees saved kilowatts gallons of gallons of water paper recycled* of energy oil saved preserved conserved

Clean Energy

Another way we’re working to reduce our company’s carbon footprint is by embracing clean, sustainable energy sources and using our resources efficiently. We utilize a solar photovoltaic system at our company’s operations center, with four rows of 156 panels. The system currently produces 34,100 kilowatt hours of clean electricity per year – enough to power four homes’ electricity use for one year.

First Horizon’s solar photovoltaic system delivers 34,100 kilowatt hours of clean electricity per year.

*Shred-it, independent recycling vendor

As of 12/31/19

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 30 Conservation Partner – Tennessee Parks and Greenways

Ensuring that we have places to explore and engage in recreational activities, to learn about nature, and to gain a greater appreciation for the world around us is paramount to our quality of life, which is why First Horizon Foundation is a proud partner of Tennessee Parks and Greenways.

Founded in 1998, TennGreen is the oldest accredited, statewide land conservancy in Tennessee. Serving all Tennesseans through collaboration with members, private landowners, local municipalities, and state and federal agencies, the conservancy works to create parks, establish wildlife corridors, expand existing protected public lands, and enhance public recreation opportunities.

TennGreen envisions large, connected natural areas that support diversity of life, inspire the appreciation of nature, and spark action to protect the water we drink, the air we breathe, and the land that sustains us all.

TennGreen has a long-standing relationship with First Horizon Foundation, and we believe the work they are doing is monumental in ensuring that all Tennesseans have a sustainable place to live, work, and play.

In 2019, TennGreen was able to take significant steps in protecting our quality of life. More than 4,000 acres of prime habitat were spared from future development, and more than 26 miles of streams will remain healthy and able to support abundant fish populations and other wildlife. HIGHLIGHT

TennGreen works diligently to protect land and wildlife across the state of Tennessee. The Perched Cerulean Warbler is just one of the many species benefiting from their great work.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 31 Governance Board of Directors

Under our bylaws, First Horizon is managed under the direction of and all corporate powers are exercised by or under the authority of our board of directors.

Information about the members of our board of directors and the committees on which they serve is available below.

First Horizon Board of Directors at a Glance 11 6 4 12 6 have experience have finance or have experience have served as a have experience as a CEO/ accounting in the banking director or officer in information president* experience** industry of another public technology company matters***

1 14 5 10 6 has served in have strategic are diverse in have marketing joined the board government planning/ terms of race, and retail within the last leadership gender, or distribution six years experience ethnicity experience

As of 12/31/19 * CEO or president of a firm or major operating division ** Audit committee financial expert, CFO, or background in accounting or financial planning and analysis *** Includes experience managing a business in which information technology plays a significant role

D. BRYAN JORDAN, chairman, was elected president and chief executive officer and a director of First Horizon National Corporation (First Horizon) and First Horizon Bank (First Horizon Bank) in 2008. In 2012, he was elected chairman of the board of First Horizon and First Horizon Bank as well. Prior to September 1, 2008, Mr. Jordan was chief financial officer of First Horizon and First Horizon Bank. From 2000 to 2007, he was senior executive vice president and chief financial officer of Regions Financial Corporation and its subsidiary Regions Bank. He is a director of one other public company, AutoZone, Inc.

R. EUGENE TAYLOR is the vice chairman of the board of directors of First Horizon. He served as chairman of the board of directors and chief executive officer of Capital Bank Financial Corp. from 2009 until 2017. Prior to 2009, Mr. Taylor spent 38 years at Bank of America Corporation, most recently as the vice chairman of the firm and president of Global Corporate & Investment Banking. He is a director of one other public company, Sonic Automotive, Inc.

COLIN V. REED, lead director, is the chairman of the board and chief executive officer of Ryman Hospitality Properties, Inc., Nashville, Tennessee, a real estate investment trust. Mr. Reed was elected chairman of the board of Ryman’s predecessor, Gaylord Entertainment Company, in 2005 and chief executive officer of Gaylord in 2001. Mr. Reed is a director of one other public company, Ryman. He has been a director of First Horizon since 2006.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 32 KENNETH A. BURDICK is executive vice president of products and markets at Centene Corporation, St. Louis, Missouri, a diversified, multinational healthcare enterprise that provides services to government-sponsored and commercial healthcare programs. From 2015 to January 2020, he served as the chief executive officer at WellCare Health Plans, Inc. He joined WellCare in 2014, serving initially as president, national health plans, and then as president and chief operating officer. Mr. Burdick served as the president and chief executive officer of Blue Cross and Blue Shield of Minnesota from February 2012 to July 2012. From August 2010 to February 2012, he served as chief executive officer of the Medicaid and Behavioral Health businesses of Coventry Health Care, Inc., and from October 1995 to May 2009, Mr. Burdick held a variety of positions with UnitedHealth Group, Inc. He has been a director of First Horizon since January 2019.

JOHN C. COMPTON is a partner at Clayton, Dubilier and Rice, a New York-based private equity firm. He served as CEO of Pilot Flying J, a national operator of travel centers, until February 2013. Prior to September 2012, he served for 29 years in various senior leadership positions with PepsiCo Inc., a global food, snack, and beverage company, including chief executive officer of PepsiCo Americas Foods, president and CEO of Quaker, Tropicana and Gatorade, and CEO of PepsiCo North America, culminating in his service as president of PepsiCo. Mr. Compton was elected as a director of First Horizon in 2011.

WENDY P. DAVIDSON has been the president, Away from Home (formerly U.S. Specialty Channels), of Kellogg Company, Elmhurst, Illinois, a global food, cereal, and snack company, since 2013. She serves as a member of the company’s Global Leadership Team, North American Leadership Team, eighteen94 Venture Capital Fund, and Global Strategy Councils. From 2010 to 2013, she served in various senior roles at McCormick & Company, Inc., including as vice president, Custom Flavor Solutions, U.S. and Latin America, and from 1993 to 2009, she held a variety of executive positions at Tyson Foods, Inc., including senior vice president and general manager – Global Customer and Group vice president – Foodservice Group, culminating in her service as senior vice president and general manager – Prepared Foods. She has been a director of First Horizon since January 2019.

MARK A. EMKES retired on May 31, 2013, as the commissioner of finance and administration of the State of Tennessee, a position he had served in since 2011. Prior to his service as commissioner, he was the chairman, chief executive officer, and president of Bridgestone Americas, Inc. and a director of its parent company, Tokyo-based Bridgestone Corporation, a worldwide tire and rubber manufacturer, retiring from that position in 2010. Mr. Emkes is a director of two other public companies, CoreCivic, Inc. and Greif, Inc., and has been a director of First Horizon since 2008.

PETER N. FOSS is currently the general manager of the GE/NFL Head Health Program. Prior to his retirement in 2013, he served for 35 years in various leadership positions with General Electric Company, a global digital industrial company, including most recently as general manager for Enterprise Selling and as president of the General Electric Company’s Olympic Sponsorship and Corporate Accounts. Mr. Foss is a director of one other public company, Healthcare Trust of America, Inc., and became a director of First Horizon upon the closing of First Horizon’s acquisition of Capital Bank Financial Corp. on November 30, 2017.

CORYDON J. GILCHRIST is a private investor and a chartered financial analyst. From 2000 to 2011, he was a portfolio manager and partner at Marsico Capital Management. While at Marsico, Mr. Gilchrist was the sole portfolio manager for Marsico’s 21st Century Fund and the lead portfolio manager for Marsico’s Global Fund. Before joining Marsico, he was a senior analyst and portfolio manager covering emerging markets at The Principal Financial Group. Mr. Gilchrist has been a director of First Horizon since 2012.

SCOTT M. NISWONGER retired as chairman of Landair Transport, Inc., a time-definite trucking, warehousing, and supply-chain management company, in 2018. He previously served as chief executive officer (until 2003) of Landair and as chairman of the board (until 2005) and chief executive officer (until 2003) of Forward Air, Inc., which operated as one company with Landair until the two were separated into two companies in 1998. He has been a director of First Horizon since 2011.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 33 VICKI R. PALMER is president of The Palmer Group, LLC, a general consulting firm. Until 2009, she was executive vice president, Financial Services and Administration, Coca-Cola Enterprises Inc., Atlanta, Georgia, a bottler of soft drink products. Ms. Palmer is a director of one other public company, Haverty Furniture Companies, Inc. She has been a director of First Horizon since 1993.

CECELIA D. STEWART retired as the president of U.S. Consumer and Commercial Banking of Citigroup, Inc., a global diversified financial services holding company, in 2014. She had held that position since January 2011. From 2009 to 2011, she was president of the retail banking group and CEO of Morgan Stanley Private Bank N.A. Ms. Stewart is a director of one other public company, United States Cellular Corporation. She was elected as a director of First Horizon by the board of directors in 2014.

RAJESH SUBRAMANIAM is president and chief operating officer of FedEx Corporation, Memphis, Tennessee, a provider of transportation, e-commerce and business services. He is also co-president and co-CEO of FedEx Services, Inc. and a member of FedEx’s Strategic Management Committee. Prior to March 1, 2019, he served as president and CEO of FedEx Express, and prior to January 1, 2019, he served as executive vice president and chief marketing and communications officer of FedEx as well as chairman of FedEx Trade Networks and chairman of FedEx Office and Print Services, Inc. He previously served as senior vice president (2006 to 2013) and executive vice president (2013 to 2016) of marketing and communications, FedEx Services, Inc. From 2003 to 2006, Mr. Subramaniam was the president of FedEx Canada, and from 1999 to 2003, he served as vice president of marketing for FedEx’s Asia Pacific business. He is a director of one other public company, FedEx, and was elected as a director of First Horizon by the board of directors in 2016.

LUKE YANCY III is the president and chief executive officer of Yancy Financial Group, Inc., a professional consulting firm in the area of diversity and inclusion. He is the retired president and chief executive officer of the MMBC Continuum, Memphis, Tennessee, a nonprofit organization that promotes minority- and women-owned business enterprises. Prior to 2000, Mr. Yancy was president, West Region, of AmSouth Bank and, prior to its acquisition by AmSouth in 1999, First American Bank. Mr. Yancy has been a director since 2001.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 34 Risk Management

At First Horizon, appropriate risk management governance practices are employed to maintain a strong focus on all major risks, including emerging risks, inherent to our businesses and operations.

The First Horizon Board has six major, chartered committees:

• Audit Committee • Compensation Committee • Executive & Risk Committee • Information Technology Committee • Nominating & Corporate Governance Committee • Trust Committee (committee of the bank only) Board Committee Functions

• Executive & Risk Committee. The Executive & Risk Committee’s charter authorizes and directs the Committee to assist the board in its oversight of (i) the establishment and operation of our enterprise risk management framework, including policies and procedures establishing risk management governance, risk management procedures, risk control infrastructure, and processes and systems for implementing and monitoring compliance with the framework with respect to the management of credit, market, operational, liquidity, interest rate sensitivity, capital and equity investment risks, including emerging risks, (ii) the adoption, implementation and periodic review of significant risk management and compliance policies and (iii) our risk appetite statement. In connection with its credit risk responsibilities, the Committee oversees First Horizon’s independent Credit Assurance Services department. First Horizon has chosen to ensure voluntarily that the Executive & Risk Committee meets the requirements of Federal Reserve regulations on risk committees regarding the independence of the committee chair and the presence of at least one member with experience in identifying, assessing, and managing risk exposures of large, complex firms, although those requirements currently do not apply to First Horizon.

• Audit Committee. In accordance with the NYSE listing standards and its charter, the Audit Committee fills an oversight role in risk management, including receiving reports from the chief audit executive regarding risk governance, risk assessment and risk management, the adequacy of the company’s policies and compliance with legal and regulatory requirements.

• Compensation Committee. The Compensation Committee is chiefly responsible for compensation- related risks. The charter of the Committee requires the Committee to oversee our compliance with all applicable laws and regulations relating to (i) appropriate management of the risks associated with incentive compensation programs or arrangements or (ii) public, regulatory, or other reporting associated with such risks, programs, or arrangements.

• Trust Committee. The Trust Committee is responsible for overseeing the fiduciary activities of the bank, including risks arising in connection with such activities. The Trust Committee receives reports from management of the Trust Division and any other units operating pursuant to the fiduciary powers of the bank regarding fiduciary account records and the investment and distribution of fiduciary account funds.

The charter of each of these committees, except for the Trust Committee, is available on our website at firsthorizon.com (click on “Investor Relations,” then “Corporate Governance,” and then “Governance Documents”).

For additional information, please visit firsthorizon.com.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 35 First Horizon Board of Directors Overview

Independent under NYSE Listing Name Joined Board Standards Committee Affiliations*

Ken Burdick 2019 Yes • Audit • Compensation

John Compton 2011 Yes • Compensation • Executive & Risk • Nominating & Corporate Governance (Chair)

Wendy Davidson 2019 Yes • Audit • Information Technology

Mark Emkes 2008 Yes • Audit (Chair) • Compensation • Information Technology

Peter Foss 2017 Yes • Audit • Nominating & Corporate Governance

Cory Gilchrist 2012 Yes • Executive & Risk • Information Technology • Nominating & Corporate Governance

Bryan Jordan 2008 No • Executive & Risk

Scott Niswonger 2011 Yes • Executive & Risk • Nominating & Corporate Governance • Bank Trust

Vicki Palmer 1993 Yes • Compensation (Chair) • Executive & Risk

Colin Reed 2006 Yes • Compensation • Executive & Risk (Chair)

Cecelia Stewart 2014 Yes • Audit • Information Technology (Chair) • Bank Trust

Rajesh Subramaniam 2016 Yes • Audit and Trust Audit • Information Technology • Nominating & Corporate Governance

Eugene Taylor 2017 No • Executive & Risk

Luke Yancy 2001 Yes • Audit • Bank Trust (Chair)

As of December 31, 2019 * The Trust Committee is a committee of First Horizon Bank only.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 36 Ethics Codes and Policies

First Horizon’s first formal code of ethics was adopted in the early 1980s. As the years passed, our business continued to evolve, and our concentration on ethics evolved as well. First Horizon adopted our Code of Business Conduct and Ethics to set forth the overarching principles that guide the conduct of every aspect of our business. Among other topics, the code covers conflicts of interest, confidentiality, insider trading, political activities, and employee matters. Our Code of Business Conduct and Ethics applies to all employees, officers, and directors of First Horizon and its subsidiaries and, in certain cases, to its agents and representatives as well. First Horizon has also adopted a Code of Ethics for Senior Financial Officers, a Compliance and Ethics Program Policy, and many other policies with specific guidance on ethical matters. Our Human Resources, Legal, Compliance, and Corporate Security teams work together to oversee the handling of hotline submissions, Electronic Incident Reports, and annual training on matters relating to these ethics codes and policies. A Matter of Principles

At First Horizon, it’s our culture of ownership and teamwork that sets us apart from our competitors. The foundation of ownership is a commitment to integrity – demonstrating ethical business practices, even when times are tough and it may seem difficult to do so. The commitment of our employees to do the right thing is our number one competitive advantage and the basis of our core values. Employees are required to participate in annual training to review and understand our company’s principles and policies. Additionally, employees receive an annually updated guidebook, called A Matter of Principles, to ensure that our employees understand and practice these principles.

This training and guidebook cover the following topics:

• Code of ethics and values • Whistleblower protection • Reporting unethical behavior • Confidential information • Corporate records management • Conflict of interest • Suspicious activity reporting • Marketing guidelines • Electronic usage guidelines • Fair treatment • Equal opportunity • Pay transparency policy • Affirmative action • Anti-harassment • Sexual harassment • Political activity • Stock investing • Health and safety • Where to turn for help or support

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 37 Cybersecurity

First Horizon is steadfast in its commitment to safeguard our customers’ personal and financial data. Our business practices, processes, and controls designed for the protection and privacy of customer data are subject to numerous federal regulations, including the Gramm Leach Bliley Act. Additionally, the bank is routinely subject to regulatory scrutiny and examination from federal and state regulators.

First Horizon is continually making investments in new technologies and cybersecurity professionals to strengthen our defenses, mitigate cybersecurity threats, and adhere to regulatory requirements. We dedicate substantial resources to cybersecurity to protect the confidentiality, integrity, and availability of systems and data. Our employees receive fraud and information security training annually, while dedicated personnel monitor FHNC systems and networks.

Our cybersecurity strategy includes:

• Top-down focus on cybersecurity from our board of directors, executive management, and senior leadership

• Robust governance and oversight to enforce adherence to cybersecurity policies and standards

• Implementation of cybersecurity through highly skilled personnel, leveraging proven technologies to identify and mitigate threats

• Deployment of multilayered defenses to identify, protect, detect, respond, and recover • Promotion of cybersecurity through employee awareness and job-specific training • Communication of data protection requirements to affiliates and guidance to customers • Collaboration with threat intelligence organizations, law enforcement agencies, and partners to keep abreast of cybersecurity threats

Data Protection Policy

This policy assigns the responsibility to establish the security procedures to protect all proprietary, confidential, or sensitive information (“Information”), whether in paper, electronic, nonelectronic, fiche, film, video, or voice mail, that is maintained by or on behalf of First Horizon National Corporation and its subsidiaries (“FHNC”).

The objectives of this policy are to:

1. Ensure the security and confidentiality of Information.

2. Protect against any anticipated threats or hazards to the security or integrity of Information.

3. Protect against unauthorized access to or use of (including disposal of) Information that could result in substantial harm or inconvenience to FHNC or its customers.

This policy covers any methods or equipment used to access, collect, store, use, transmit, protect, or dispose of Information, including, but not limited to, mainframes, distributed systems, applications software, local area network servers, programmable workstations, laptop computers, Internet/ Intranet systems, data communications devices (“Furnished Equipment”), and mobile devices.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 38 Sustainable Investing

Socially responsible investing, commonly referred to as SRI, encompasses an extremely broad range of factors and considerations, including environmental, social and governance practices (ESG). There is no single definition of what constitutes SRI/ ESG because it is values based. In an effort to better define what it means to be a responsible investor, in 2006, the United Nations proposed six principles for responsible investment. As of March 28, 2019, there were over 2,300 signatories to these principles including 459 U.S. entities. Many are easily recognized asset managers, including the likes of Fidelity, Northern Trust, DFA, and Oppenheimer.

Our Investment Committee’s goal is twofold. First, we educate our investment advisors, financial planners, and portfolio strategists on the basic concepts of SRI/ESG investing. Second, we would like to be able to provide an answer to the question “What are you doing about socially responsible investing?” Members of the IC have done extensive research on the subject and have written several articles and research notes on this topic. We are evaluating several SRI/ESG screening/scoring tools and are having ongoing discussions with multiple asset managers about their offerings and capabilities in this area.

We have also started the process to become a signatory to the United Nation’s Principles for Responsible Investment (PRI). To that end, we have engaged the services of a proxy voting firm ISS to assist us in voting shares we hold as fiduciaries for FHN Advisors’ clients. We are now in the process of designing the implementation of proxy voting to be in compliance with applicable rules and regulations.

Code of Business Conduct for Suppliers

First Horizon seeks to outperform the competition fairly and honestly, and has a legacy of succeeding through such honest business competition. We seek competitive advantages through superior performance, not through illegal or unethical business practices.

Consistent with the First Horizon Code of Business Conduct and Ethics that sets the basic standards for employee conduct, we adopted a Code of Business Conduct for Suppliers that establishes our expectations for our suppliers (i.e., third parties that provide goods or services to First Horizon).

The Code of Business Conduct for Suppliers includes our expectations for suppliers related to conducting their business legally and ethically and covers topics such as bribery, confidentiality, fair dealing, human rights, nondiscrimination and harassment, recordkeeping, and reporting.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 39 Human Rights Statement

First Horizon respects individual human rights and is committed to operating our company in an environment where everyone is treated with dignity. While we believe our government and policymakers are primarily responsible for the laws and regulations that enable the preservation and protection of human rights, our company values and business practices support our belief that all people should be treated fairly and with respect.

We are firmly committed to nondiscrimination and equal opportunity for our employees, customers, and suppliers. First Horizon’s Code of Business Conduct and Ethics outlines the principles that guide the conduct of every aspect of our business. Our Code of Business Conduct and Ethics applies to all employees, officers, and directors of the First Horizon family of companies and, in certain cases, to our agents and representatives.

Our Commitment:

Everyone will be treated without discrimination or harassment based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, veteran status, or disability.

First Horizon and our subsidiaries are also committed to a position of lending fairness and to making available meaningful services to all of our customers and communities on a fair and equitable basis.

Any employee who engages in unlawful activities or violates First Horizon’s Code of Business Conduct and Ethics or any of the company’s policies is subject to disciplinary action, including dismissal.

First Horizon honors our commitment to human rights by:

• Conducting our business in a manner that is consistent with the fundamental human rights principles described in the United Nations Universal Declaration of Human Rights.

• Requiring all employees to complete Code of Business Conduct and Ethics training upon hire, and annually thereafter, and to certify upon completing each training session that they have read, and that they understand, the Code.

• Providing all employees with an annually updated guidebook, called A Matter of Principles, to ensure that they understand and practice the principles outlined in our Code of Business Conduct and Ethics.

• Instituting a Corporate Social Responsibility (CSR) Committee to help us build stronger communities and guide our responsible business practices. The CSR Committee meets quarterly to review, recommend and report to the Executive Management Committee and the board of directors on CSR and environmental, social, and governance (ESG) business and reputation topics.

• Protecting the privacy of customer information. All employees, even after leaving the company, must comply with the policies described in our Privacy Policy.

• Establishing multiple ways for employees and customers to raise concerns, ask questions, and report potential policy violations or unethical or suspicious behaviors with confidence and without fear of retaliation.

• Operating our business in accordance with all applicable lending, labor, safety, health, anti- discrimination, and other diversity and inclusion workplace regulations and laws.

• Adopting a Code of Business Conduct for Suppliers that establishes our expectations for our suppliers.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 40 Awards and Recognition

Top 100 America’s Most JUST Companies for Corporate Citizenship Forbes Magazine and JUST Capital “America’s Most JUST Companies are measurably outperforming their peers Bloomberg Gender-Equality Index on the key issues Americans Bloomberg care about most: taking care of employees by paying a fair 100 Best Adoption-Friendly Workplaces in America and living wage, providing Dave Thomas Foundation for Adoption good benefits, as well as equal opportunity and career Diversity Best Practices Inclusion List development. Creating

Working Mother Magazine value for shareholders and

stakeholders is not a zero sum game, with JUST companies“ America’s Best Large Employers List earning 6% higher return on Forbes Magazine equity than their peers.

Martin Whittaker World’s Best Banks List CEO of JUST Capital Forbes Magazine

Top 50 Companies for Executive Women National Association for Female Executives

Best Workplaces in Finance and Insurance Fortune Magazine

Phoenix-Hecht 2019 Middle Market Quality Index Excellence in Middle Market Banking

Best Places to Work Nashville Tennessean, Nashville Business Journal, Knoxville News Sentinel, Memphis Commercial Appeal, Memphis Business Journal

Recognition as “Best Bank or Favorite Bank” in Chattanooga, Nashville, Knoxville, and Memphis newspaper readers choice polls

Selected awards are shown above. For a complete list, visit firsthorizon.com/awards.

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 41 Key Environmental, Social, and Governance Highlights

At First Horizon, we view the consideration of environmental, social, and governance factors as important drivers for how we conduct our business.

Governance: • Board of directors • 12 independent directors • More than 20% female representation • More than 35% diverse representation • Executive Management Committee • 19 corporate executives • More than 30% female Customers: • Approximately 270 banking centers • More than 450 ATMs • More than 800,000 consumer and commercial customers served Sustainability: • More than 1 million pounds of paper recycled in 2019 • 34,000+ kilowatt hours of clean electricity produced this year • More than 4 million gallons of water preserved Employees: • Approximately 5,051 employees • 62% of employees are female • 29% ethnically diverse employees • We conduct an annual employee engagement survey • Employees average 26 training hours annually • Comprehensive succession planning and development programs • Tuition assistance programs Community: • $3.95 billion, five-year, community benefit plan to increase access to financial resources within low- to moderate-income (LMI) communities • $11 million in philanthropic dollars distributed in 2019 • $100 million distributed by the First Horizon Foundation since 1993 • Approximately 650 organizations reached/supported • 30 HOPE Inside financial empowerment centers locations

As of 12/31/2019

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 42 How to Reach Us

Headquarters 165 Madison Ave. Memphis, TN 38103 (800) 489-4040 firsthorizon.com

Community Relations (866) 365-4313 [email protected]

Media Relations (866) 365-4313 [email protected]

First Horizon National Corporation | 2019 Corporate Social Responsibility Report 43